WEMONEY Research Office · Digital Finance | The China Banking Regulatory Commission agrees to bankruptcy of two banks in Liaoning

I. Bank

1. The China Banking Regulatory Commission: Principles agree with Liaoyang Rural Commercial Bank, Liaoning Prince He Village Bank to enter the bankruptcy procedure

On August 26, the two approvals disclosed by the CBRC website showed that the China Banking Regulatory Commission had agreed to enter the bankruptcy procedure in Liaoyang Rural Commercial Bank Co., Ltd. and Liaoning Prince He Village Bank Co., Ltd. It is understood that Shenyang Rural Commercial Bank successfully completed the acceptance of Liaoyang Rural Commercial Bank and Prince He Village Bank outlets, personnel, and deposits. 【WEMONEY Research Room】

2. The Administrative Measures for the Protection of Consumer Rights of Bank Insurance Institutions will be introduced during the year

Wang Yi, director of the Consumer Protection Bureau of the Banking Insurance Regulatory Commission, pointed out at a press conference of "Financial Knowledge Popularization of Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Family Family Striving for Performance Investors" that "bank insurance institutions consumers are currently drafting" bank insurance institutions consumers The management measures such as the protection of rights and interests, focusing on standardizing the industry's fire protection work mechanism and operating behavior, comprehensively protecting consumers' eight basic rights and interests, and continuously improving the system of consumer protection work. "The" Measures "has been soliciting opinions from the society in the early stage. It is currently being amended and improved according to the opinions of collecting feedback from all walks of life in society." Wang Yi said that the "Measures" is expected to be issued within the year. This is the CBRC in the bank insurance industry Basic comprehensive documents formulated in the field of consumer rights protection. 【Beijing News】

3. Central Bank: Incorporate some foreign banks into the scope of carbon emission reduction support tool financial institutions

Recently, the People's Bank of China has incorporated Germany Bank (China) and French Industrial Bank (China) into the scope of financial institutions for carbon emission reduction support tools. This move reflects that China attaches great importance to green transformation, always adheres to the opening of the outside world, treats foreign financial institutions equally, gives national treatment, and supports its development in China. In the next step, the People's Bank of China will also consider incorporating other willing and conditional foreign financial institutions to give full play to its advantages in the field of green finance and help the Chinese economy transform into green low -carbon. 【Central Bank】

4. Bei Yin Financial Management has been approved for construction, and bank wealth management subsidiaries have approved 30

On August 25, the official website of the China Banking Regulatory Commission announced the approval of Beijing Bank's preparation for the establishment of Beiyin Financial Co., Ltd. The Bank of Beijing's application for the establishment of Bein Bank Financial has been approved by the CBRC, which has become the 30th bank wealth management subsidiary of China, which is approved by my country. It is also the first bank wealth management subsidiary to be approved by the year. The CBRC last approved the preparation of wealth management companies in July 2021 to finance the banking of Shanghai Bank. 【Beiqing Daily】

2. Consumer finance

1. In the first half of the year, Consumer Finance achieved net profit of 1.15 billion yuan, an increase of 12.31% year -on -year

On August 26, the semi -annual report of the Industrial Bank showed that as of the end of the second quarter, the total amount of consumer financial assets of the Industrial Consumer Consumption was 63.772 billion yuan, and the balance of various loans was 62.812 billion yuan. In the first half of the year, the operating income of Industrial Consumer Finance was 4.764 billion yuan, an increase of 23.15%year -on -year; net profit was 1.15 billion yuan, a year -on -year increase of 12.31%. Xingye Consumer Finance is a subsidiary of Industrial Bank, with a registered capital of 1.9 billion yuan, and 66%of the shares of Industrial Bank. 【WEMONEY Research Room】

2. Hangyin Consumer Finance's revenue in the first half of the year was 1.902 billion yuan, and net profit was 306 million yuan

On August 19, the 2022 semi -annual report released by the Bank of Hangzhou showed. In the first half of the year, Hangyin Consumer Financial's operating income was 1.902 billion yuan, an increase of 87.0%over 1.017 billion yuan in the same period last year; net profit was 306 million yuan, an increase of 126.7%over 135 million yuan in the same period last year. As of the end of June 2022, the total assets of Hangyin Consumer Finance were 36.369 billion yuan, a decrease of 0.8%from the end of 2021 36.644 billion yuan; net assets were 4.718 billion yuan, an increase of 4.8%over 4.502 billion yuan in the end of 2021. 【WEMONEY Research Room】

3. China Post Consumer Finance achieved a net profit of 191 million in the first half of the year, and the customer acquisition cost decreased by 23%.

On August 22, the Postal Savings Bank disclosed the results of the first half of 2022, while disclosing the semi -annual performance of China Post consumer finance. As of the end of June, China Post Consumer Finance Co., Ltd. total assets of 43.514 billion yuan and net assets of 5.135 billion yuan. Total assets decreased by 2.04%compared to the end of 2021. In the first half of the year, China Post Consumer Finance achieved operating income of 2.943 billion yuan and a net profit of 191 million yuan. It is worth noting that the net profit of China Post Consumer Finance in the first half of the year decreased by 600 million yuan compared with the same period of 2021, a year -on -year decrease of 75.85%. In the first half of the year, China Post consumer finance explored the way of launching high -value user models, and the customer acquisition cost decreased by 23%. 【WEMONEY Research Room】

4. Xiaomi Consumer Finance reached 9.661 billion yuan at the end of the second quarter, and a total of over 30 billion yuan was issued.

On August 25, the Chongqing Rural Commercial Bank semi -annual report disclosed the performance data of Chongqing Xiaomi Consumer Finance in the first half of the year. Data show that as of the end of the second quarter, Xiaomi's total assets of consumer finance were 9.661 billion yuan and net assets were 1.412 billion yuan. It is worth noting that the total assets of Xiaomi Consumer Finance increased by 52.96%from the end of 2021. In the first half of the year, Xiaomi consumer finance lost 93.196 million yuan. Xiaomi's consumer finance opened in half a year in 2020 to achieve profitability and achieve net profit of 1.094 million yuan. The annual net profit of 2021 was 3.68 million yuan. According to disclosure, as of June 2022, the company issued a total of more than 3 billion loans, the balance of loans increased by 236%compared with the beginning of the year, and the cumulative service groups exceeded 2.6 million. [WEMONEY Research Office] 3. Fintech technology

1. Maximum 70%? Water drops emergency response

Water droplets are searched on Weibo, this time is due to the high proportion of drawing. On August 21, during some media revealed that in the process of water drop funding, there were "intermediaries" who took the maximum 70%of the pumping. In response, the official emergency response of Shui Dip Consucting was operated by the so -called fundraising intermediary that was conducted by some maliciously promoted third -party business organizations to provide the fundraising provision of unfair fundraising methods. Any cost of any more than 3.6%of the fundraising is not charged in water droplets. 【China Business News】

2. Shanghai Data Exchange takes the lead in setting up a digital asset sector nationwide

On August 24th, the Shanghai Data Exchange was the first to set up a digital asset sector nationwide, and jointly issued digital assets to join forces and Bilibili. As the important achievements of the key infrastructure and data factor market construction of Shanghai's digital transformation, Shanghai Data Exchange took the lead in setting up a digital asset sector nationwide to reconstruct the digital asset system and create a new model for the deep integration of digital assets and the real economy. 【Shanghai Securities News】

3. Golden Syllabus Co., Ltd. set up 300 million fintech companies

The Tianyancha APP shows that recently, Jinzheng Financial Technology (Beijing) Co., Ltd. was established. The legal representative is Zhang Hailong, with a registered capital of 300 million yuan, and the business scope includes the development of artificial intelligence application software; data processing services; mechanical equipment research and development; computer system services, etc. Essence Shareholders' information shows that the company is wholly -owned by Shenzhen Jinzheng Technology Co., Ltd. 【Tianyancha】

4. Henan Province: The small loan company in the jurisdiction is not approved to conduct online small loan business

On August 23, the Henan Provincial Local Financial Supervision and Administration Bureau issued the "Risk Tips on the Name of the use of small loan companies to carry out Internet small loan business" stated that recently, the bureau has found in daily supervision that some organizations and individuals use it for use. Henan Province's small loan company has carried out Internet micro -loan business through third -party applications (APPs), as well as small loan companies in other provinces and cities to conduct offline microfinance business through third -party companies in Henan Province. "None of the above actions have not obtained the permission of local financial regulatory departments and obtaining relevant business qualifications." Henan Provincial Local Financial Supervision Administration said that as of now, Henan Province has not approved a small loan company in the jurisdiction. A small loan company in other provinces and cities will conduct offline micro -loan business in Henan Province. 【21st Century Business Herald】

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